Affordable Auto Insurance Quotes for Police Officers (2024)

What You Should Know

• Many insurers offer police officer auto insurance discounts or lower rates since law enforcement officers are typically safer drivers
• Some insurers offer company-specific discounts like the “Fallen Officer/Fallen Hero Survivor Benefit” or work with law enforcement in other ways
• Most discounts vary by state and not all states participate in a company’s discounts

Looking for affordable law enforcement auto insurance? Is there a police officer auto insurance discount, or do they pay the same auto insurance rates as the rest of us?

Learn about options for police officer auto insurance discounts, including protection for off-duty firearms stored in a vehicle, and how to find the best police officer car insurance company for you.

We will go through everything you need to know about how to get an auto insurance police discount. Understanding auto insurance, in general, can also help you learn how to get the best rates for your needs.

Shopping around for car insurance will help you find the best coverage at the cheapest rates. Get a start on finding police officer auto insurance rates by typing your ZIP code into our helpful tool.

Do certain companies offer police officer auto insurance discounts for law enforcement officers?

Most of America’s largest auto insurance providers offer some type of discount for police officers. Companies offering law enforcement discounts include:

• Farmers auto insurance
• Nationwide auto insurance
• California Casualty auto insurance
• Liberty Mutual auto insurance
• Country Financial auto insurance
• USAA auto insurance
• Travelers auto insurance
• Allstate auto insurance

Companies like Liberty Mutual offer a law enforcement discount because cops tend to be safer drivers. The same goes for other professions that serve the community.

Many car insurance companies use an occupational classification to offer lower rates or auto insurance discounts to drivers. This means that what you do for a living can affect your auto insurance rates. Occupations with riskier drivers will see higher rates and fewer discounts.

Generally, police officers file fewer claims than the average driver meaning they get cheaper rates. They are cheaper customers to insure, so auto insurance providers are happy to provide police officer discounts for auto insurance.

Discounts will vary by the company (and state). Let’s take a look at a table showing what auto insurance discounts Progressive auto insurance offers.

Now, let’s see what car insurance discounts Nationwide offers.

No matter which company you choose, you should take advantage of every discount you can. Most companies will allow you to bundle discounts to save even more money.

What’s the best policy for police officer auto insurance discounts?

Can law enforcement officers get specialized car insurance coverage?

The short answer is that it depends on where you live. Several major auto insurance companies in the United States have policies designed specifically for police officers. Sometimes, these policies come with a discount. In other cases, they provide extra benefits on top of police discounts.

Unique features of a police officer auto insurance policy may include:

• Guaranteed protection for off-duty weapons and other equipment stored in the vehicle in the event of an accident
• Free life insurance-style programs that go to your surviving family in the event of death.
• Discounts on normal auto insurance rates
• Other features that benefit law enforcement officers

California Casualty has one of the best-known vehicle insurance policies for law enforcement. In addition to providing competitive rates to cops, California Casualty covers certain police equipment if it is left in the vehicle. If an officer is involved in an off-duty accident, California Casualty will cover the cost of repairing or replacing that equipment.

California Casualty also has a unique program called the Fallen Officer/Fallen Hero Survivor Benefit. This program is applied automatically to any police officer’s auto insurance policy.

It covers all remaining rates on their policy for the remaining calendar year and one additional year after the policyholder’s death, allowing surviving spouses or family members to have auto insurance without paying a rate. Learn more about covering all family members under a multi-car insurance policy.

Nationwide also has programs to support police officers. They conduct grant programs that help provide protective vests, donate salvage vehicles to be used as bait cars, and other programs.

Do police officer auto insurance discounts vary by state?

California Casualty is available across the United States. However, the specific policy features we’ve already mentioned aren’t automatically available in all states.

Texas, Georgia, Montana, New Hampshire, and Tennessee, for example, do not participate in California Casualty’s Fallen Officer/Fallen Hero Survivor Benefits program.

Auto insurance is regulated at the state level, which is why minimum auto insurance requirements vary widely. Insurance companies might offer different California auto insurance and Arkansas auto insurance discounts, for example, due to changes in state insurance laws.

What are some other tips for saving money on car insurance for police officers?

Police officers can save money on auto insurance using the same strategies as other drivers, including:

Drive Safely: Cops know the rules of the road better than anyone. DUIs, speeding tickets, at-fault accidents, and other issues can significantly affect auto insurance prices, so try to keep a clean driving record. Sometimes this can be state-dependent, like with the Safe Driver Insurance Plan (SDIP) in Massachusetts.

https://www.youtube.com/watch?v=bg5smPoOWOo

Bundle: Bundling multiple insurance policies together makes it easy to save money. Try to bundle your auto insurance policies, home insurance policies, and your spouse’s policies together under one company.

Pay Rates Upfront: Some people pay auto insurance rates upfront to save money. Instead of spreading the payment out over six months or 12 months with monthly auto insurance, you can pay the rate in one lump sum. In doing so, you can save five to 10 percent and avoid costly financing fees.

Consider Telematics Programs:  Many auto insurance companies in America now offer ‘telematics’ programs. These programs involve placing a tracking device in your vehicle (or using an app on your phone) to determine what type of driver you are.

If you are a safe driver who drives fewer miles per week than average, you may benefit from this program. Available telematics programs include Progressive’s SnapShot, Allstate’s Drivewise, State Farm’s Drive Safe and Safe, and Nationwide’s SmartRide.

Shop Around: It’s easy to compare vehicle insurance quotes for cops online using sites like this one.

Many major auto insurance companies provide discounts to police officers. Some companies don’t provide specific discounts, but they do offer special benefits to police officers, like added coverage for equipment stored in your vehicle off-duty and ‘Fallen Hero’ survivor benefits programs.

What are the basics for car insurance coverage for police officers?

Like every other driver on the road, police officers must make sure their vehicles are insured to at least the minimum coverage requirement set by the state in which they live. This means at least minimum liability auto insurance coverage, though that may not be enough.

Additionally, if there is ever an instance in which a police officer might use their personal vehicle in a work context, it may also be necessary to obtain commercial auto insurance coverage. You’ll need to speak with your insurance company to determine whether you need commercial coverage on top of your personal policy.

Read more: Affordable Auto Insurance Quotes for PhDs

Police Officer Auto Insurance Discounts: The Bottom Line

Many of the major car insurance companies across the country offer car insurance discounts for police officers. However, the amounts and availability of these discounts vary by state, so you’ll need to speak with a licensed insurance agent in your area to find out what’s available where you live.

Also, many companies offer coverage for off-duty firearms that are stored in your vehicle. For general car insurance savings, good driver discounts, bundling discounts, and telematics devices are all good options.

Shopping around and comparing rates is another great way to save, which you can do right here. All you need is your ZIP code to buy police officer car insurance.

Get police officer auto insurance quotes now. Type your ZIP code into our helpful tool to find cheap auto insurance for police officers in your area.